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BayCoast Bank, Swansea, Massachusetts, is the 433rd largest FDIC-insured US bank by total assets ($2.9bn). On 4 November 2026 the public email records of baycoast.bank graded C: MX pass, SPF warn, DMARC p=reject, mail handled by Own mail servers.
Grade C. Two settings do less than they seem to. Read by DNS on 4 November 2026; the records are shown as published.
| Check | Result | What was published |
|---|---|---|
| MX | Pass | 0 baycoast.bank. Mail handled by Own mail servers |
| SPF | Warn | v=spf1 ip4:208.93.26.27 ip4:166.73.7.16 ip4:166.73.7.20 ip4:166.73.14.61 ip4:166.73.14.63 ip4:63.117.120.96/27 ip4:69.38.149.224/27 ip4:208.252.57.192/27 ip4:68.232.131.30 ip4:68.232.140.103 ip4:68.232.143.79 ip4:68.232.149.148 ip4:204.14.234.64/28 ip4:204.14.232.64/28 ip4:182.50.78.64/28 ip4:96.43.144.64/31 ip4:96.43.148.64/31 ip4:208.93.26.27 ip4:166.73.7.16 ip4:166.73.7.20 ip4:166.73.14.61 ip4:166.73.14.63 ip4:166.73.92.61 ip4:166.73.92.63 ip4:166.73.92.60 ip4:208.235.248.20 ip4:50.58.9.15 ip4:204.95.150.215 ip4:208.66.22.33 ip4:12.108.255.69 ip4:148.163.140.179 ip4:148.163.144.176 ip4:69.84.87.254 ip4:69.84.91.254 ip4:69.84.82.254 ip4:69.84.83.254 ip4:80.169.11.113 ip4:72.35.5.171 ip4:69.84.94.254 ip4:69.84.95.254 ip4:75.78.176.57 ip4:75.78.176.58 ip4:75.78.176.59 ip4:75.78.176.60 ip4:75.78.178.27 ip4:75.78.178.28 ip4:75.78.178.29 ip4:75.78.178.30 ip4:75.78.178.31 ip4:75.78.178.32 ip4:75.78.2.209 ip4:147.160.167.0/26 ip4:23.21.109.197 ip4:23.21.109.212 a:outgoing-dc.btbpo.net a:baycoast.bank include:spf.digitalinsight.com include:_spf.salesforce.com include:us._netblocks.mimecast.com include:aspmx.pardot.com include:spf.cocci.com include:mailgun.org ~all. DNS lookups: 15 or more of 10 allowed; ends ~all |
| DMARC | Warn | v=DMARC1;p=reject;sp=none;adkim=r;aspf=r;pct=100;fo=0;rf=afrf;ri=86400;rua=mailto:clientservices@baycoastbank.com;ruf=mailto:clientservices@baycoastbank.com. Policy p=reject, subdomains sp=none, applied to 100% of mail; reports collected (rua= set) |
| DKIM | Pass, not graded | Key found on selector default (of 10 common selectors tried) |
BayCoast Bank is the 433rd largest FDIC-insured US bank by total assets, at $2.9bn as reported to the FDIC (certificate 90196; Swansea, Massachusetts). Among the 999 graded banks, BayCoast Bank ranks 914th by grade (ties broken by assets, larger first). In its asset band, $1bn to $10bn, it ranks 771st of 846; among the 47 graded banks in Massachusetts, 42nd. 66% of its band and 61.7% of its state graded A.
The checker's own notes on each record:
BayCoast Bank lists MX hosts under its own domain, so it runs or fronts its own mail servers. What filters sit behind them is not visible from DNS; assume they check SPF, DKIM and DMARC like everyone else, and that a bank-run gateway is at least as strict as a commercial one. Before you send, run your own domain through the email setup checker and publish a policy with the DMARC record generator. For how a bank buys, see the selling to banks playbook.
The records above are from 4 November 2026. Run the same check on baycoast.bank now for today's result. The FDIC's record of the bank is at BankFind, certificate 90196.
This page is one of 1,000 in the Bank Email Readiness Index Q4 2026, published 4 November 2026 and re-read every quarter; the next edition is due 2 February 2027. If you work at BayCoast Bank and the records have changed, email moe@roimaxi.com and we will re-check and update this page.
ROI Maximizer is a trading name of M Ventures LTD, registered in England and Wales, company no. 15554493. Registered office: 4 Beau Street, Bath BA1 1QY, United Kingdom. moe@roimaxi.com
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